Saint Louis, Missouri (MO) Savings Rates - March 2026
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Editorial Disclosure
The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Saint Louis, Missouri and the surrounding area include Neighbors Credit UnionNeighbors Credit Union6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804A5.0 ★Texas Ratio: 8.62% SMART Savings at 10.00% APY, Montgomery BankMontgomery Bank3803 Union Rd, Saint Louis, MO 63125A+5.0 ★Texas Ratio: 0.99% Kid's Club Savings at 5.01% APY, Together Credit UnionTogether Credit Union3805 Union Rd, Saint Louis, MO 63125 4320A+5.0 ★Texas Ratio: 5.65% Accelerate It Savings at 5.00% APY, CommunityAmerica Credit UnionCommunityAmerica Credit Union1805 Craigshire Dr, Saint Louis, MO 63146A+5.0 ★Texas Ratio: 5.94% High Interest Savings at 5.00% APY, and First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO7495 Watson Rd, Saint Louis, MO 63119A+5.0 ★Texas Ratio: 1.54% Kids Cash Savings at 4.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Saint Louis, Missouri, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Saint Louis, Missouri (MO) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Saint Louis, Missouri and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Saint Louis, Missouri & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
SMART Savings
10.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
Kid's Club Savings
5.01%
$0
▼
Rate4.92%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $500.00
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
Accelerate It Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $5,000.00
CommunityAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
1805 Craigshire Dr, Saint Louis, MO 63146
High Interest Savings
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifications Required; Qualifying balance up to $2,500.00
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
Kids Cash Savings
4.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 26, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Performance® Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
6025 Chippewa St, Saint Louis, MO 63109
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
4249 Watson Rd, Saint Louis, MO 63109 1214
Health Savings Accounts (HSA)
3.05%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 26, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
Montgomery eGold Savings Account
3.01%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $50,000.00
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
Earn & Learn Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $2,500.00
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
Icon High-Yield Savings
2.75%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6121 Telegraph Rd, Saint Louis, MO 63129
Platinum Savings
2.63%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Commercial Bank Saint Louis, MO
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
2330 West Port Plaza Dr, Saint Louis, MO 63146
UTMA Custodial Savings
2.52%
$100
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Scott Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
8866 Ladue Rd, Saint Louis, MO 63124 2325
Savings
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
Montgomery eBlue Savings Account
2.01%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $50,000.00
Scott Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
8866 Ladue Rd, Saint Louis, MO 63124 2325
Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Scott Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
8866 Ladue Rd, Saint Louis, MO 63124 2325
Savings
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Scott Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
8866 Ladue Rd, Saint Louis, MO 63124 2325
Savings
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
Health Savings Checking Account HSA
1.50%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
Health Savings Checking Account HSA
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Regular/Special Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Health Savings Account (HSA)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
IRA Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
2 S Broadway, Saint Louis, MO 63102
UMB Premium Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Regular/Special Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
IRA Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
St Louis Policemen`s Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1915 Olive St, Saint Louis, MO 63103
Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $5,000.00
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Boost Teen Account Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
SAVE TO PROSPER SAVINGS ACCOUNT
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
REGULAR, SMARTY, AND JOURNEY SAVINGS
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$25,001.00 and over
FCB Banks
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12000 Tesson Ferry Rd, Saint Louis, MO 63128
Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Freedom Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12000 Tesson Ferry Rd, Saint Louis, MO 63128
Savings & Student Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
Health Savings Checking Account HSA
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Commercial Bank Saint Louis, MO
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
2330 West Port Plaza Dr, Saint Louis, MO 63146
Personal Savings & Executive 50 Savings
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Freedom Savings Account
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $25,000.99
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
REGULAR, SMARTY, AND JOURNEY SAVINGS
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
10,001.00 to $25,000.99
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
SAVE TO PROSPER SAVINGS ACCOUNT
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $25,000.99
Scott Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
8866 Ladue Rd, Saint Louis, MO 63124 2325
Youth Share Savings (Kidz Club and Teen Share)
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
101 S Hanley Rd, Saint Louis, MO 63105
Health Savings Account (Checking)
0.43%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
101 S Hanley Rd, Saint Louis, MO 63105
Statement Savings
0.42%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
101 S Hanley Rd, Saint Louis, MO 63105
Youth Savings
0.42%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
101 S Hanley Rd, Saint Louis, MO 63105
Health Savings Account (Checking)
0.41%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Freedom Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $10,000.99
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
HOLIDAY, VACATION AND SPRING BREAK CLUB SAVINGS ACCOUNTS
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Any Balance
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
REGULAR, SMARTY, AND JOURNEY SAVINGS
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Up to $10,000.99
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
SAVE TO PROSPER SAVINGS ACCOUNT
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $10,000.99
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
IRA Savings
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12000 Tesson Ferry Rd, Saint Louis, MO 63128
Health Savings Account (HSA)
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
Special Share Savings
0.40%
$50,000
▼
Rate0.40%
Min Deposit$50,000
Min Balance—
UpdatedMar 23, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Regular/Special Savings
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
101 S Hanley Rd, Saint Louis, MO 63105
Health Savings Account (Checking)
0.38%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12000 Tesson Ferry Rd, Saint Louis, MO 63128
Savings & Student Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12000 Tesson Ferry Rd, Saint Louis, MO 63128
Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Commercial Bank Saint Louis, MO
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
2330 West Port Plaza Dr, Saint Louis, MO 63146
Business Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Saint Louis, MO Savings Rate Trends
Compare local Saint Louis, MO savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — MO Avg
1.212%
▲ 1.012 from last week
Missouri high-yield savings rates rose 1.012 points this week to 1.212% APY, up from 0.200% last week.
Standard Savings — MO Avg
0.639%
▲ 0.113 from last week
Missouri standard savings rates rose 0.113 points this week to 0.639% APY, up from 0.526% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Saint Louis, Missouri directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Saint Louis, Missouri. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Saint Louis, Missouri
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Missouri, help your money grow faster through a higher APY.
Are savings accounts in Saint Louis, Missouri safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Missouri up to $250,000 per depositor, per institution.
How often do savings rates change in Saint Louis, Missouri?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Missouri rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Saint Louis, Missouri may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Saint Louis, Missouri?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Saint Louis, Missouri offer in-person customer service, which some customers prefer.
How do I open a savings account in Saint Louis, Missouri?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Saint Louis, Missouri
Here are recent savings rates observed in Saint Louis, Missouri and the surrounding area:
- Neighbors Credit Union
SMART Savings — 10.00% APY - Montgomery Bank
Kid's Club Savings — 5.01% APY - Together Credit Union
Accelerate It Savings — 5.00% APY - CommunityAmerica Credit Union
High Interest Savings — 5.00% APY - First Bank Creve Coeur, MO
Kids Cash Savings — 4.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Saint Louis, Missouri. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
